But what happens if a law-abiding citizen is actually forced to use a gun to protect his/her self, a loved one, or their personal property? There will be an investigation – and potentially a criminal trial. Even an eventual acquittal provides no guarantee that the “victim” or his/her family members won’t sue in civil court.

Many homeowner policies specifically exclude firearm use – even in self defense – as a covered exposure, deeming it to be an intentional act. That leaves the gun owner personally liable for legal expenses, bail bond costs, and any judgments awarded through a civil action.

CONSIDER SOME OF THE FEATURES OF THIS FIREARM LIABILITY:

Civil Actions – Legal Defense.Provides expert legal counsel to protect you against civil litigation arising out of the covered use of a firearm for self-defense.

Civil Actions – Indemnity. In the event of an adverse civil judgment occurring from a covered event, the policy will pay monetary awards (up to the limit of liability).

Criminal Actions – Legal Defense Reimbursement.Policy will reimburse insured for reasonable legal expenses incurred while defending him/herself against criminal charges arising from the use of a firearm in self-defense (up to the limit of liability).

Criminal Actions – Legal Defense Retainer.Advances funds to the insured to cover the cost of retaining legal counsel to defend against a criminal action.